United Southern Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Cost of borrowings: 0.99 percentage points higher than in Q1 2026, at 5.03%. Within Kentucky, United Southern Bank is 25th of 119 on net interest margin, 4.47% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. United Southern Bank sits 0.52 points higher, at 4.47% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.10% |
| Yield on loans | 6.79% |
| Yield on securities | 2.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.76% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.44% |
| Cost of borrowings | 5.03% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.47% |
| Yield to cost spread | 3.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.8M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.3M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.83% | 1.57% | 3.38% | 5.59% | 2.16% |
| Q4 2023 | 5.55% | 1.83% | 3.88% | 6.46% | 2.18% |
| Q1 2024 | 5.09% | 1.81% | 3.39% | 5.86% | 2.16% |
| Q2 2024 | 5.30% | 2.02% | 3.42% | 6.08% | 2.16% |
| Q3 2024 | 5.44% | 2.04% | 3.54% | 6.23% | 2.17% |
| Q4 2024 | 5.54% | 2.00% | 3.66% | 6.32% | 2.25% |
| Q1 2025 | 5.52% | 1.92% | 3.71% | 6.30% | 2.46% |
| Q2 2025 | 5.74% | 1.96% | 3.90% | 6.54% | 2.47% |
| Q3 2025 | 5.98% | 1.89% | 4.19% | 6.76% | 2.53% |
| Q4 2025 | 6.06% | 1.84% | 4.35% | 6.76% | 2.78% |
| Q1 2026 | 5.98% | 1.75% | 4.34% | 6.65% | 2.63% |
| Q2 2026 | 6.10% | 1.76% | 4.47% | 6.79% | 2.63% |
United Southern Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Southern Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full United Southern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9309) · FFIEC NIC profile (RSSD 110945)